”制卧份贸易+考 银行管理学 c)Analysis of cash flow d)Projections and analysis of the borrower's financial condition 3.在评估消费者贷款申请时，运用评分体系的优势和劣势主要是什么？I evaluating consumer loan requests,what are the major advantages and disadvantages of using credit scoring system? a)The benefits include:Lower costs if scoring and decision making are done mechanically;Timely decisions;Avoidance of discrimination b)The primary difficulty is:The credit scoring models must be statistically verified and continually updated,which can be expensive. 4.银行持有现金资产的四个目标是什么？What are the four objectives of holding cash assets by banks? a)Supply coin and currency b)Mandated legal reserve requirements c)Clearing d)Purchase services from correspondent banks 5.银行流动性、盈利性与风险三者之间存在什么样的关系？What is the relationship among liquidity,profitability and risk in a bank? a)There is a short-run trade-off between liquidity and profitability.The more liquid a bank is,the lower are its ROE and ROA,all other things being equal. Both asset and liability liquidity contribute to this relationship. b)Long-term earnings will exceed peer banks'earnings,as will bank capital and overall liquidity. c)Banks that experience liquidity problems:can often trace the source to either credit risks or interest rate risk. 6.What are the major risks a bank face in its operation?Explain each risk briefly. 行经营中面临的主要风险有哪些？简要解释每一种风险。 a)Credit risk b)Liquidity risk c)Market risk d)Operational risk e)Reputation risk f)Legal risk 7. 银行资本的主要功能是什么？资本是如何实现这一功能的？What is the function of bank capital?How does it achieve this function? a)Reduce bank risk. b)A cushion to absorb losses and remain solvent c)A ready access to financial markets and thus guards against liquidity problems d)Constrains growth and limits risk taking 8.在评估消费者贷款时，什么是好贷款的5个C？。In evaluating consumer loan requests,what are the five Cs? a)Character:honesty and trustworthiness. b)Capital:wealth position measured by financial soundness and market standing. 第2页共4页银行管理学 c) Analysis of cash flow d) Projections and analysis of the borrower’s financial condition 3. 在评估消费者贷款申请时，运用评分体系的优势和劣势主要是什么？In evaluating consumer loan requests, what are the major advantages and disadvantages of using credit scoring system? a) The benefits include: Lower costs if scoring and decision making are done mechanically; Timely decisions; Avoidance of discrimination b) The primary difficulty is: The credit scoring models must be statistically verified and continually updated, which can be expensive. 4. 银行持有现金资产的四个目标是什么？What are the four objectives of holding cash assets by banks? a) Supply coin and currency b) Mandated legal reserve requirements c) Clearing d) Purchase services from correspondent banks 5. 银行流动性、盈利性与风险三者之间存在什么样的关系？What is the relationship among liquidity, profitability and risk in a bank? a) There is a short-run trade-off between liquidity and profitability. The more liquid a bank is, the lower are its ROE and ROA, all other things being equal. Both asset and liability liquidity contribute to this relationship. b) Long-term earnings will exceed peer banks’ earnings, as will bank capital and overall liquidity. c) Banks that experience liquidity problems: can often trace the source to either credit risks or interest rate risk. 6. What are the major risks a bank face in its operation? Explain each risk briefly.银 行经营中面临的主要风险有哪些？简要解释每一种风险。 a) Credit risk b) Liquidity risk c) Market risk d) Operational risk e) Reputation risk f) Legal risk 7. 银行资本的主要功能是什么？资本是如何实现这一功能的？What is the function of bank capital? How does it achieve this function? a) Reduce bank risk. b) A cushion to absorb losses and remain solvent c) A ready access to financial markets and thus guards against liquidity problems d) Constrains growth and limits risk taking 8. 在评估消费者贷款时，什么是好贷款的 5 个 C？。In evaluating consumer loan requests, what are the five Cs? a) Character: honesty and trustworthiness. b) Capital: wealth position measured by financial soundness and market standing. 第 2 页 共 4 页